Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 42 in Riverside, CA metro · median 4.99% APR
- 3.49%APRas low as
Terms
Advertised as low as rate is based on up to 60-month term for new and used vehicle financing up to 125% LTV. Rates based on credit and amount financed.
Auto loan score 99 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.89%APRas low as
Terms
Current year, <5,000 miles. Rates are based on credit history, terms of loan, payment type, and other potential conditions. 10 Days grace period for repayment.
Auto loan score 92 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Credit score 730+; Maximum LTV 110%
Auto loan score 92 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rate as low as. Rate based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Posted rate includes discounts of 0.50% for financing 100% LTV or less, 0.25% for automatic payment, and 0.25% for net direct deposit. Advertised rate based on Premier FICO score of 750+. Monthly payment is $18.64 per $1,000 financed.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as 4.50% APR for terms of 3 to 7 years (36-84 months). Rate based on creditworthiness and loan term. Lowest rates includes discounts available of 0.25% for automatic payment and 0.25% for direct deposit into an IFCU checking account.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.55% APR on new and used vehicles. Reflects 0.25% discount for electronic repayment and direct deposit. Terms up to 84 months on loans of $30,000 or more (up to 72 months on loans up to $29,999). On approved credit.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - Altura Credit UnionNew Car Loans (2025-2026 Model Years) · up to 60 months
Credit union · 23 branches
4.59%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% direct deposit/autopay discount.
Auto loan score 86 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as · up to 18.00%with conditions
4.59% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.87 - $2.54.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as · up to 13.64%
4.64% APR, up to 13.64%
Terms
Est. Payment Per $1,000: $18.71 - $23.08.
Auto loan score 88 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - California Coast Credit UnionAuto Loans - Model Years 2022 and Newer · 49–66 months
Credit union · 4 branches
4.68%APRas low asTerms
Model years 2022 and newer. As low as rate for well-qualified borrowers. Estimated monthly payment is $17.21 per $1,000 borrowed for 66 months. Fixed rate type.
Auto loan score 88 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Chaffey Federal Credit UnionFixed Rate New and Used Auto Loans · up to 66 months
Credit union · 2 branches
4.69%APRas low as · up to 17.99%with conditions4.69% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles; includes 0.50% discount for automatic payment
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 18.00%
4.74% APR, up to 18.00%
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Riverside, CA metro
42 banks and credit unions · checked Oct 7–22
- Typical
- 4.99%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.32%
- Credit unions, typical
- 4.89%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Riverside, CA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Thinkwise Credit UnionCredit union · 2 branches
- CU SoCalCredit union · 4 branches